question stringlengths 14 166 | answer stringlengths 6 17k |
|---|---|
Is there a free, online stock screener for UK stocks? | I use and recommend barchart.com. Again you have to register but it's free. Although it's a US system it has a full listing of UK stocks and ETFs under International > London. The big advantage of barchart.com is that you can do advanced technical screening with Stochastics and RS, new highs and lows, moving averages e... |
Highstreet bank fund, custom ETF or Nutmeg? | And it's only as cheap as 1.78% if you stay with them 10 years! They'd love that. You can kind of tell they really want to lock you in for over 4 years. I also think it's daylight robbery, but as a self execution investor I tend to have to talk myself out of that belief by default to be fair. One can wonder too, why ar... |
I am turning 18 and I am a Student, I need strategies on building great credit soon. Where should I start? | The details of credit score calculation tend to change periodically, but the fundamentals are mostly consistent. Pay your bills, keep your average account age high, overpay your credit card minimums, and keep your overall debt low. And do soft pulls on your credit report to see what's happening. First, the simplest r... |
Virtual currency investment | I don't know much about paypal or bitcoin, but I can provide a little information on BTC(Paypal I thought was just a service for moving real currency). BTC has an exchange, in which the price of a bitcoin goes up and down. You can invest in to it much like you would invest in the stock market. You can also invest in e... |
What is the difference between speculating and investing? | Speculation means putting your money on a hunch that some event may occur, depending on current circumstances and some future circumstances. So either you win huge or lose a lot. Investment is a conscious decision made on well defined research and grounded on good reasons i.e. economy, industry, company reports etc. H... |
Why do some online stores not ask for the 3-digit code on the back of my credit card? | There are different ways of credit card purchase authorizations. if some choose less secure method it's their problem. Merchants are charged back if a stolen card is used. |
No transaction fee ETF trades - what's the catch? | what is the mechanism by which they make money on the funds that I have in my account? Risk drives TD Ameritrade to look for profits, Turukawa's storytelling about 100,000$ and 500$ is trivial. The risk consists of credit risk, asset-liability risk and profit risk. The third, based on Pareto Principle, explains the... |
Do the activities of my LLC need to be limited to a particular field? | No. When you file your Articles of Organization, simply state that your business will operate under the law. You don't need to give any further specification. |
At what interest rate should debt be used as a tool? | I've been taking all the cheap fixed-rate debt banks would like to give me lately. What Rate? In practice I find the only way I get a low-enough rate on a longish-term fixed-rate loan is to use collateral. That is, auto loans and home loans. I haven't seen any personal loans with a low enough fixed rate. (Student loans... |
How to gift money anonymously to an individual after collection thru a donation site? | In the US the best way to solve the problem, IMHO, would be via a trust. Talk to a properly licensed trust/estate attorney and a tax adviser (EA/CPA licensed in your State). Using intermediary who's not a 501(c) organization may pose income tax issues to that intermediary as providing support to the needy is not a vali... |
Why are there many small banks and more banks in the U.S.? | Wikipedia has a good summary: Historically, branch banking in the United States - especially interstate branch banking - was viewed unfavorably by regulatory authorities, and this was codified with the enactment of the McFadden Act of 1927, which specifically prohibited interstate banking. Over the next few decades, so... |
Free service for automatic email stock alert when target price is met? | I've used BigCharts (now owned by MarketWatch.com) for a while and really like them. Their tools to annotate charts are great. |
First time home buyer. How to negotiate price? | First of all, never ask a realtor for advice. The realtor represents the SELLER. Blankip's advice above is by far the most accurate of the previous answers. The first step is to estimate the market. Look at past sales in the neighborhood over time, and from them estimate the prospects for the house at different time du... |
Which graduate student loans are preferable? | All new loans must be originated from the direct loan program. In most cases, the Stafford loan is better, as the rate is lower (6.8% vs. 7.9% for the PLUS loan). There aren't many viable alternatives for most people. Private student loans exist, but carry significantly higher rates and worse payment terms. The except... |
How to protect a Stock you still want to own from a downturn? | If you really believe in the particular stocks, then don't worry about their daily price. Overall if the company is sound, and presumably paying a dividend, then you're in it for the long haul. Notwithstanding that, it is reasonable to look for a way out. The two you describe are quite different in their specifics. S... |
How to decide if I should take my money with me or leave it invested in my home country? | I will attempt to answer three separate questions here: The standard answer is that an emergency fund should not be in an investment that can lose value. The safest course of action is to put it in a savings account or other very low risk investment somewhere. This question becomes: can a reasonable and low risk inves... |
Should I sell when my stocks are growing? | You should constantly look at your investment portfolio and sell based on future outlook. Don't get emotional. Selling a portfolio of stocks at once without a real reason is foolish. If you have a stock that's up, and circumstances make you think it's going to go up further, hold it. If prospects are not so good, sell... |
Receive money from US Client to Myself in India by selling services | You can receive funds from US Client as an individual. There is no legal requirement for you to have a company. If the transactions are large say more than 20 lacs in a year, its advisable to open a Private Ltd. Although its simple opening & Registering a company [A CA or a Laywer would get one at a nominal price of Rs... |
Why is the stock market closed on the weekend? | While a lot of trading is executed by computers, a substantial amount is still done at the behest of humans. Brokers managing accounts, Portfolio Managers, and Managers of Mutual Funds doing stock picks etc. Those folks are still initiating a very large number of the trades (or at least one side of a trade). And tho... |
How to Create Personal Balance Sheet and Budget Plan for Several Accounts | As your financial situation becomes more complex, it becomes increasingly more difficult to keep track of everything with a simple spreadsheet. It is much easier to work with software that is specifically designed for personal finances. A good program will allow you to keep track of as many accounts as you want. A gr... |
Buying a more expensive house as a tax shelter (larger interest deduction)? | Depending on the state you live in paying interest on a mortgage opens up other tax deduction options: Real estate taxes, Car tax, donations. See schedule A http://www.irs.gov/pub/irs-pdf/f1040sa.pdf The shocking bottom line is that it never works to your advantage in the short term. Owning your house: But there are bi... |
Which dividend bearing stock should be chosen by price? | A 20% dividend yield in most companies would make me very suspicious. Most dividend yields are in the 2-3% range right now and a 20% yield would make me worry that the company was in trouble, the stock price had crashed and the dividend was going to be cut, the company was going to go out of business or both. |
Oversimplify it for me: the correct order of investing | Organize your expenses in order of the rate of return, and pay them in that order. By far the highest rate of return on your list is: Nowhere else are you going to see an immediate 100% return (or 50%, depending on the company's matching policy) on every dollar you allocate to this pot. Second would probably be: Money... |
Are there any banks with a command-line style user interface? | A bank is unlikely to provide a 'command line' interface because typical users consider a graphical interface easier to use than a command line interface. The extra effort in providing a command line interface for the remaining handful of people isn't worth it. It's the same reason that everything else in the world has... |
What is the meaning of "short selling" or "going short" a stock? | This is a gross simplification as there are a few different ways to do this. The principle overall is the same though. To short a stock, you borrow X shares from a third party and sell them at the current price. You now owe the lender X shares but have the proceeds from the sale. If the share price falls you can buy ba... |
Should I invest $35,000 for 3-5 months? [duplicate] | Yes, and there are several ways, the safest is a high-yield savings account which will return about 1% yearly, so $35 per month. That's not extremely much, but better than nothing (you probably get almost zero interest on a regular checking account). |
How should I decide whether to buy more shares of a stock when its price drops? | There is no way to find out what future will be if you have only quote from past. In other words, nobody is able to trade history successfully and nobody will be able, ever. Quote's movement is not random. Quote is not price. Because brokerage account is not actual money. Any results in past do not guarantee you anythi... |
Where can I find historical United States treasury note volume? | The Securities Industry and Financial Markets Association (SIFMA) publishes these and other relevant data on their Statistics page, in the "Treasury & Agency" section. The volume spreadsheet contains annual and monthly data with bins for varying maturities. These data only go back as far as January 2001 (in most cases)... |
When will the U.K. convert to the Euro as an official currency? | I can't see it happening because most of the population seems to be against it, even if their reasoning on the whole is wrong. Theoretically, people are against the Euro here as a result of national pride. If it's the best thing to do for the good of the country then national pride shouldn't be taken into account. It'd... |
What is the best approach to save money for College for three kids? | I'm not a 'rule of thumb' guy, but here, I'd suggest that if you can set aside 10% of your income each year for college, that would be great. That turns out to be $900/mo. In 15 years, if you saw an 8% CAGR, you'd have $311K which happens to be in your range of expenses. And you'd still have time to go as the baby won... |
Joining a company being acquired | Is there anything I need to ask or consider during my negotiation process based on the fact that they probably will soon be own by another company? Very tricky situation. You are being hired by one company, and one hiring manager. But you already know that there are big changes ahead. What you don't know is how all... |
Alternatives to Intuit's PayTrust service for online bill viewing and bill payment? | Ally bank has a free billpay service where you have the option of paying bills via eBills. Though I use Ally's billPay service (and I write about my experience with Ally in my blog), I haven't used eBills, but from reading your question, looks like this is what you are looking for. From Ally's site: What are eBills? An... |
Can my rent to own equity be used as a downpayment? | I do not think the bank would consider the 52K as equity. Typically, a rent-to-own lease is technically a lease-option contract where you lease for a fixed amount and at some point during the lease you have the option to buy it at a discounted price. I think the bank would consider it a negotiated price. I know t... |
Does reading financial statements (quarterly or annual reports) really help investing? | Reading financial statements is important, in the sense that it gives you a picture of whether revenues and profits are growing or shrinking, and what management thinks the future will look like. The challenge is, there are firms that make computers read filings for them and inform their trading strategy. If the comput... |
Can I deduct my individual Health Insurance Premium in Tax | Yes, you can. See the instructions for line 29 of form 1040. Self employed health insurance premiums are an "above the line" deduction. |
buying a stock while the price is going down, and buy it at a lower price | In the US, it is perfectly legal to execute what you've described. However, since you seem to be bullish on the stock, why sell? How do you KNOW the price will continue downwards? Aside from the philosophical reasoning, there can be significant downside to selling shares when you're expecting to repurchase them in the ... |
How do I go about finding an honest & ethical financial advisor? | I think the other answers raise good points. But to your question, "How do I find an honest financial adviser" ask your friends and family. See who they talk to and confide in. Go meet that person, understand what they do and how they view things and if you gel, great. Honesty and strong ethics exist in individuals... |
Does borrowing from my 401(k) make sense in my specific circumstance? | Your comment regarding your existing finances is very relevant and helpful. You need to understand that generally in personal finance circles, when a strong earning 22 year-old is looking for a loan it's usually a gross spending problem. Their car costs $1,000 /month and their bar tabs are adding up so the only logic... |
How would I use Google Finance to find financial data about LinkedIn & its stock? | When fundamentals such as P/E make a stock look overpriced, analysts often point to other metrics. The PEG ratio, for example, can be applied to cast growth companies in a better light. Fundamental analysis is highly subjective. For further discussion on the pitfalls of fundamentals, I suggest A Random Walk Down Wall ... |
JCI headache part 1: How to calculate cost basis / tax consequences of JCI -> TYC merger? | The $47.67 per share figure is the trading price, or fair market value, of the OLD Johnson Controls, and should not be used to figure your gain nor to figure your basis in the new Johnson Controls International. Your new basis is the total of the gross proceeds received; that is, the cash plus the fair market value of... |
Oversimplify it for me: the correct order of investing | Money is a tool. Here is an "oversimplified" order of investments: |
What's the purpose of having separate checking and savings accounts? | For some people, it's easier to stick to a budget if they have separate checking and savings accounts because they can deposit funds directly into their savings account and not have those funds accessible by debit/credit card, checks, etc. This allows people to pay themselves first and accumulate savings, while making ... |
Technical Analysis not working | You cannot just read one book and some articles on Technical Analysis and some indicators and expect to be an expert and everything to just start falling into place and give you signals that will tell you when to buy and sell with precision and massive profits all the time. It is like someone reading a book on how to ... |
Is a fixed-price natural gas or electricity contract likely to save money? | I would argue: Because the company only offers you this if it can make money from it. What you are basically doing is betting against the company. |
What do brokers do with bad stock? | Market makers, traders, and value investors would be who I'd suspect for buying the stock that is declining. Some companies stocks can come down considerably which could make some speculators buy the stock at the lower price thinking it may bounce back soon. "Short sellers" are out to sell borrowed stocks that if the s... |
Foreign Earned Income Exclusion - Service vs. Product? | Fear tactics posted above, likely by IRS agents. Yes, you qualify based on the residence test. You perform your work outside the US. You gather business data in a foreign country. The income is excluded. |
Explanations on credit cards in Canada | If so, it seems to me that this system is rather error prone. By that I mean I could easily forget to make a wire some day and be charged interests while I actually have more than enough money on the check account to pay the debt. I have my back account (i.e. chequing account) and VISA account at/from the same bank (wh... |
UK Resident exploring freelance work for a Swiss Company | If the firm treats you as an employee then they are treated as having a place of business in the UK and therefore are obliged to operate PAYE on your behalf - this rule has applied to EU States since 2010 and the non-EU EEA members, including Switzerland, since 2012. If you are not an employee then your main options ar... |
Sole proprietorship or LLC? | The primary advantage is protection of your personal assets. If your LLC gets sued, they can't take your house/car/dog/wife. There aren't really any financial incentives to be an LLC; because of the pass-thru taxing structure, you wind up paying the same in taxes either way. "The cost" will depend on where you're locat... |
Online Foreign Exchange Brokerages: Which ones are good & reputable for smaller trades? | There are many good brokers available in the market and many spammers too. Personally I have been associated with FXCM since 2001 and have never faced any problem. But everyone has their own personal choice and I recommend you to make your own. But the question is how to find out which broker is a good broker and would... |
Buying a small amount (e.g. $50) of stock via eToro "Social Trading Network" using a "CFD"? | Is eToro legitimate? If you have any doubts about eToro or other CFD providers (or even Forex providers, which are kind of similar), just type eToro scam in Google and see the results. |
How to help a financially self destructive person? | Back in the day, they had a highly effective solution for this type of crap, but it is frowned upon in modern society. The second-best solution would be to get your lawyer to put together a case that she is unfit to be around the children and that visitation rights should be revoked. Unfortunately, this will most like... |
Break Even On Options Contracts | Simple answer: Breakeven is when the security being traded reaches a price equal to the cost of the option plus the option's strike price, assuming you choose to exercise it. So for example, if you paid $1.00 for,say, a call option with a strike price of $19.00, breakeven would be when the security itself reaches $20.0... |
Why is auto insurance ridiculously overpriced for those who drive few miles? | There are several aspects to this but at a high level it boils down to A lot goes in to insurance rating and risk projecting. You can't adjust a single variable and expect a proportional change in your premium, 7,000 miles per year just won't be 70% of the cost of 10,000 miles per year, because there are a lot of othe... |
Claiming business expense from personal credit card | or just input it in my accounting software along with receipts, and then when I'm doing taxes this would go under the investment or loses (is it somewhere along that line)? Yes, this. Generally, for the long term you should have a separate bank account and charge card for your business. I started my business (LLC) ... |
Can we compare peer-to-peer loans to savings accounts? | That argument is an argument for investing generally, not peer-to-peer lending per se, and the argument as phrased ("thus you should invest your money at a Peer-to-peer loan platform") is a false dichotomy. That said, as soon as one is investing as opposed to just getting a small but guaranteed return, then risk comes ... |
Are non-residents or foreigners permitted to buy or own shares of UK companies? | Yes it is legal, in fact according to statistics.gov.uk, foreign investors are the largest holders of UK shares (as of 2008). Investors from outside the UK owned 41.5 per cent of shares listed on the London Stock Exchange at the end of 2008, up from 40.0 per cent at end of 2006, according to the latest Office for Natio... |
I have about 20 000 usd. How can invest them to do good in the world? | FTSE ethical investment index: http://www.ftse.com/products/indices/FTSE4Good "The FTSE4Good Index is a series of ethical investment stock market indices launched in 2001 by the FTSE Group. A number of stock market indices are available, for example covering UK shares, US shares, European markets, and Japan, wit... |
Selling mutual fund and buying equivalent ETF: Can I 1031 exchange? | I don't believe you can do that. From the IRS: Finally, certain types of property are specifically excluded from Section 1031 treatment. Section 1031 does not apply to exchanges of: I highlighted the relevant items for emphasis. |
As a young adult, what can I be doing with my excess income? | If I were you I would just save the money until I had at least 5000 pounds to keep as an emergency fund. There are various kinds of unexpected events and it is smart to have some cash in case a problem comes up. Next time I would recommend buying a car you can afford. Borrowing money to buy nice things is the enemy of ... |
Cheapest way to wire or withdraw money from US account while living in Europe | I prefer to use a Foreign Exchange transfer service. You will get a good exchange rate (better than from Paypal or from your bank) and it is possible to set it up with no transfer fees on both ends. You can use an ACH transfer from your US bank account to the FX's bank account and then a SEPA transfer in Europe to ge... |
Why do people sell when demand pushes share price up? | If the price has gone up from what it was when the person bought, he may sell to collect his profit and spend the money. If someone intends to keep his money in the market, the trick is that you don't know when the price of a given stock will peak. If you could tell the future, sure, you'd buy when the stock was at its... |
How to spend more? (AKA, how to avoid being a miser) | Time is money. If those hours spent researching to save $3 made you a better profit than you would have otherwise had buying the more expensive product and using the rest of the time to make more than $3, then you came out on top. If you consider this general premise in every spending decision you make, you should alwa... |
Is it true that if I work 6 months per year, it is better than to work for 1 calendar year and take a break for 1 year? | Yes, if you can split your income up over multiple years it will be to your advantage over earning it all in one year. The reasons are as you mentioned, you get to apply multiple deductions/credits/exemptions to the same income. Rather than just 1 standard deduction, you get to deduct 2 standard deductions, you can do... |
Should I finance a used car or pay cash? | Unless you are getting better than a 2.95% return on that money market account. Pay cash. That's the purely logical way to make the decision. However if it were me I'd pay cash anyway just because I like the idea of not owing money and having the hassle of dealing with a payment every month. |
Is it possible to make money by getting a mortgage? | I came up with a real way. I saw once the market be so dumb as to allow this to work. Inflation rate = 2.5%. Home interest rate = 3%. Tax deduction = 1%. Money spent on inflation-adjusted I bonds (at the time these paid 0% net, that is 2.5% gross). Result, .5% profit after accounting for inflation. The kicker: Uncle Sa... |
How long do credit cards keep working after you disappear? | Generally speaking the bank accounts and credit card accounts remain open. Banks and the credit card companies don't monitor public records on a daily basis. Instead, whoever is handling your estate will need to obtain copies of your death certificate and they will then search your paper records to identify all accou... |
What is good growth? | If your question is truly just What is good growth? Is there a target return that's accepted as good? I assumed 8% (plus transaction fees). Then I'd have to point out that the S&P has offered a CAGR of 9.77% since 1900. You can buy an S&P ETF for .05%/yr expense. If your goal is to lag the S&P by 1.7%/yr over the lo... |
Should I buy a house because Mortgage rates are low | How can people afford 10% mortgage? Part of the history of housing prices was the non-bubble component of the bubble. To be clear, there was a housing bubble and crash. Let me offer some simple math to illustrate my point - This is what happened on the way down. A middle class earner, $60K/yr couple, using 25% of thei... |
Buying from an aggressive salesperson | There are few main reasons I can think of that the salesperson would do this: A lot of people assume it's the 3rd option always. But if the person is reputable, it's most likely 1 or 2. You can't run a business doing option 3 for long without getting a reputation. |
How feasible would it be to retire just maxing out a Roth IRA? | I wouldn't settle for 10%, and I certainly wouldn't settle for a Roth. I'd recommend not retiring. I'd recommend building up a side business in your "free" time while you're working that's closer to your calling that you can "retire into." Don't be complacent. |
What is the maximum I can have stored in a traditional 401(k) and a Roth 401(k)? | I've never seen anything in any IRS publication that placed limits on the balance of a 401K, only on what you can contribute (and defer from taxes) each year. The way the IRS 'gets theirs' as it were is on the taxes you have to pay (for a traditional IRA anyway) which would not be insubstantial when you start to figur... |
I have around 60K $. Thinking about investing in Oil, how to proceed? | This is only a partial answer to your question #1. If you have a conservative approach to savings (and, actually, even if you don't), you should not invest all of your money in any single industry or product. If you want to invest some money in oil, okay, but don't overdo it. If your larger goal is to invest the money... |
When to sell stock losers | If you have someplace to put the money which you think will yield significantly better returns, by all means sell and buy that. On the other hand, if you think this stock is likely to recover its value, you might want to hold it, or even buy more as a "contrarian" investment. Buy low, sell high, as much as possible. An... |
Can capital expenses for volunteer purposes be deducted from income? | I would suggest to buy your own printer, and calculate the cost for a page including the wear to the printer. Then either deduce these printing expenses, or ask the charity to reimburse you. This is not much different than when you would go to a copyshop, those easily charge 10-30c per page, with your own printer you c... |
When after a companys IPO date can I purchase shares? | You can purchase stock immediately in the open market on the day of the IPO when market opens. Below link gives you more information. http://finance.zacks.com/buy-ipo-stock-3903.html |
What is the purpose of the wash sale rule? | Equal sized gains and losses in alternating years would lead to an unjust positive tax. On the contrary. If I can take my gains at the long term rate (15%) in even years, but take losses in odd years, up to $3000, or let them offset short term gains at ordinary rate, I've just gamed the system. What is the purpose o... |
Changing Bank Account Number regularly to reduce fraud | Couple of my friends went through a fraud agent who ran off with their money and the landlords were none the wiser. So it always pays to be a bit diligent. Are they a well known letting agents nationally ? Many agents do have different accounts to manage their properties. Yours seems a case as such probably i.e. they ... |
Foreign currency conversion for international visitors to ecommerce web site? | You probably can get away with only updating the exchange rates once a day and specify that any prices quoted in units other than your home currency are estimates only. If you're planning to accept more than one currency as payment, I'd (a) see about whatever regulations there are for doing so, and (b) build in a nice ... |
Paying taxes on dividends even though your capital gains were $0? | How and why is this considered fair (and/or legal)? Let's use an analogy. The issue is not fairness, it is just the rules. The assets you own and the cash you receive are reported differently. If the rules don't make sense, I suggest you hire an adviser that can teach you and help you get the most out of your investme... |
What mix of credit lines and loans is optimal for my credit score? | Over time, you'll have more loans, maybe a few store cards, mortgage, car loan, etc. I'm a fan of maximizing one's wealth, and the small rebate/reward adds up over time, so I'm not against the store cards, so long as you always pay the bill in full. As far as FICO is concerned, what they 'like' to see may not necessa... |
Additional credit card with different limit on same account? | You can look into getting a business credit card. When I had my Chase business credit card, I could add authorized users to the main account and set a spending limit on each card. |
Why do stock exchanges close at night? | I believe there are electronic exchanges that run continuously, but the older ones don't want to change their practices since some people may have strategies which (claim they) are based on this behavior so there would be a lot of unhappy people if it was altered. The pause doesn't seem to do any harm. There are alte... |
devastated with our retirement money that we have left | When you say: I am 48 and my husband is 54. We have approx. 60,000.00 left in our retirement accounts. We want to move our money into something so our money will grow. We've been looking at annunities. We've talked to 4 different advisors about what is best for us. Bad mistake, I am so overwhelmed with the differ... |
What's the purpose of having separate checking and savings accounts? | Additionally, it used to be the case that savings accounts would have a noticeably higher interest than checking accounts (if the checking account paid any at all). So you would attempt to maximize your cash working for you by putting as much as you could into the savings account and then only transferring out what yo... |
Corporate Equity Draw vs Income | You tagged with S-Corp, so I assume that you have that tax status. Under that situation, you don't get taxed on distributions regardless of what you call them. You get taxed on the portion of the net income that is attributable to you through the Schedule K that the S-Corp should distribute to you when the S-Corp fil... |
Rolled over husband's 401(k) to IRA after his death. Can I deduct a loss since? | I trust the 401(k) was a traditional, pre tax account. There was no tax paid, and any withdrawals would be taxable. The account could go to zero, and there's no write off, sorry. I have to ask - were there any withdrawals along the way? What was it invested in that lost 90% of its value? Edit - I'm sorry the OP came a... |
How can I improve my credit score if I am not paying bills or rent? | When you say "promptly paying off the outstanding balance", do you mean you pay it off literally as soon as you have incurred the debt? It is important to actually let the debt post on a statement before you pay it off. If you pay it off before the statement posts then this won't help your credit at all. Once the state... |
What's the fuss about Credit Score / History? | Credit Unions have long advocated their services based on the fact that they consider your "character." Unfortunately, they are then at a loss to explain how they determine the value of your character, other than to say that you're buddies & play pool together so they'll give you a loan. Your Credit History / Score is... |
What does it mean to invest in potatoes? | In order for a commodity to be offered as a future, the exact specifications must be specified by the exchange. This includes not only the particular grade, strain, etc (depending on what we are talking about) but also the exact delivery location (otherwise transportation costs is an issue as you noticed). Once there ... |
Is avoiding fees commonly found with CFD trading possible? | The fees with trading CFDs are usually lower than standard share trading. There is usually no joining fee to join a broker and start trading with them, you must be talking about the minimum required to fund your account to trade with. What country are you in? Because if you are in the USA I believe CFD trading is not ... |
What options do I have at 26 years old, with 1.2 million USD? | If you can still work, I think a very good course of action would be to invest the majority of the money in low-cost index funds for many years. The reason is that you are young and have plenty of time to build a sizable retirement fund. How you go about this course of action depends on your comfort level with managing... |
Do dividend quotes for U.S. stocks include witheld taxes? | The dividend quoted on a site like the one you linked to on Yahoo shows what 1 investor owning 1 share received from the company. It is not adjusted at all for taxes. (Actually some dividend quotes are adjusted but not for taxes... see below.) It is not adjusted because most dividends are taxed as ordinary income. Thi... |
What is the meaning of the net worth of a person? | An individual's net worth is the value of the person's assets minus his debt. To find your net worth, add up the value of everything that you own: your house, your cars, your bank accounts, your retirement investments, etc. Then subtract all of your debt: mortgage, student loans, credit card debt, car loans, etc. If ... |
Can a company block a specific person from buying its stock? | The answer to this question is given by the fact that many public companies have people who are opposed to the company's aims or practices and who own their stock, often a single share, for the purposes of turning up to shareholder meetings and haranguing directors/asking awkward questions/disrupting proceedings, etc. ... |
What are some tips for getting the upper hand in car price negotiations? | One point I don't see above: Consumer's Union (the nonprofit which publishes Consumer Reports) has a service where, for a small fee, they'll send you information about how much the car and each option cost the dealer, how much the dealer is getting back in incentive money from the manufacturer, and some advice about w... |
Should I pay more than 20% down on a home? | The more you put down now, the less money you are borrowing. 30yrs of interest adds up. Even paying a small amount at the beginning of the mortgage can turn into a huge savings over the life of the loan. That's why you'll find advice to make extra mortgage payments in the beginning. The question is: Do you have a bet... |
How much power does a CEO have over a public company? | If Steve Jobs [Tim Cook] were to decide to try to kill Apple, does he have the power to do so? Yes. But he would be held accountable. In addition to the other answers, the CEO is a fiduciary of the corporation. That means his/her actions must be in good faith and look out for the well-being of the company. Otherwise, h... |
How do used vehicle exchange programs at car dealerships work? | Yikes! Not always is this the case... For example, you purchased a new car with an interest rate of 5-6%or even higher... Why pay that much interest throughout the loan. Sometimes trading in the vehicle at a lower rate will get you a lower or sometimes the same payment even with an upgraded (newer/safer technology) des... |
How to get rid of someone else's debt collector? | I have been in a similar position for quite a while now and the only thing that seems to help is screening phone calls. I have a long list of collector numbers set to not ring on my phone. They can still leave a voice mail but they never do. As far as I know there aren't any laws that protect you from nuisance phone c... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.